Financial Difficulty
& Hardship Hub

Have you experienced a change
to your financial situation?

Have your home loan repayments increased to a level you are no longer comfortable with?

If you are unable to meet your loan repayments, we are here to support you and get the help you need to overcome any financial difficulty or hardship you may be experiencing.
It is a good idea to reach out as soon as you identify there may be a problem so we can act quickly and reduce the impact.
Whether your financial difficulty is short term or continuing, it is important to understand there are a number of steps we can assist you with.
You can contact your lender directly to discuss your options, such as postponing certain repayments, changing your loan term, or varying your credit contract. The lender will assess hardship applications on a case-to-case basis, provide access to short-term relief and assist you through your temporary hardship event (these are not long-term solutions).
Alternatively, you can reach out to us and we can walk you through the process including assisting you with your hardship application. We can also reevaluate your circumstances for longer-term solutions.

Have you experienced a change to your financial situation?

Have your home loan repayments increased to a level you are no longer comfortable with?

If you are unable to meet your loan repayments, we are here to support you and get the help you need to overcome any financial difficulty or hardship you may be experiencing.
It is a good idea to reach out as soon as you identify there may be a problem so we can act quickly and reduce the impact.
Whether your financial difficulty is short term or continuing, it is important to understand there are a number of steps we can assist you with.
You can contact your lender directly to discuss your options, such as postponing certain repayments, changing your loan term, or varying your credit contract. The lender will assess hardship applications on a case-to-case basis, provide access to short-term relief and assist you through your temporary hardship event (these are not long-term solutions).
Alternatively, you can reach out to us and we can walk you through the process including assisting you with your hardship application. We can also reevaluate your circumstances for longer-term solutions.

How Can

We Help?

01

We start with a simple conversation about your budget, lifestyle, future plans, and what you want to achieve.

02

We can evaluate your situation to determine the options available to you and point you toward resources that may be useful. 

03

We have over 60 lenders on our panel that may be able assist you and provide you a suitable outcome for your situation.

04

As mortgage brokers we provide essential information and advice to you at a time when understanding appropriate options and making the right decision is critically important. 

05

We are available to meet in person, chat over the phone or via a video call.

Let's
Explore Your Options

We’re here to help.

/ FAQ

Your Questions Answered

What’s a payment deferral?

This depends on the lender and your situation. We’ll explain realistic options.

It depends on your cash flow, tax position, and long-term plan. We explain both clearly.

Often yes. We assess equity levels and structure this carefully.

There’s no fixed limit, but borrowing power and structure matter. We plan ahead.

There’s no fixed limit, but borrowing power and structure matter. We plan ahead.

Yes. Many investors start by using equity from their home. We’ll assess your borrowing power and structure this carefully.

Most lenders use a percentage of expected rental income. We’ll explain how this affects your borrowing capacity.

It depends on your cash flow, risk comfort, and long-term strategy. We’ll explain the trade-offs clearly.

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